The model I had in mind was that of a virus, different to bacteria perhaps, but I don't know much about that.
The idea was that the vinegar would kill the bacteria, and the bicarb would remove the oils. And no, I'm not going to use them at the same time so they cancel each other out.
The towels are soaked in White Vinegar over night, which mostly gets washed away in a washing machine cycle. Then the towels are washed in a second cycle with Bicarbonate of Soda (not soaked), perhaps I didn't make that second phase clear enough.
I can assure you that oils definitely do get washed away with the Bicarbonate of Soda. I use a bicarb wash my hair i.e. my scalp, and can definitely confirm that it does remove oils, there's no doubt about that in my mind.
Contrasting towels with my bed sheets, I noticed that they smelt musty after the vinegar soak method and a bicarb wash i.e. not clean. But after a second attempt, this time soaking them in a bicarb (pH 9-10) bath, the result was that the musty odour was banished, which must have been oil based ? So for bed sheets it makes more sense to use bicarb, as body oils will most likely be in contact with them, whilst towels mostly deal with water, after the oils have been washed away during the shower.
I was compelled by the heat based argument, but it cannot be applied universally, and worrying about which solution to use for which garments adds complexity. Even if the bacteria are only disabled by the vinegar, as with towels, which I can confirm do stop smelling with a vinegar bath, that should be reason enough to do it because who wants a smelly new towel ?!
Perhaps I could wash the towels in a 90º wash, but would I then need anything other than water, if the bacteria is killed in the heat ?
You say that pH doesn't matter, but I have proof that towels stop smelling with a vinegar bath, and bed sheets with a bicarb bath, so something must be working.
In order to be sure, I was thinking about artificial UV light exposure, as I cannot guarantee strong sunlight, after the garments were dry. This I am sure will kill the bacteria, but in that event is there any need for a hot wash, or any vinegar/bicarb, or even soap ?